01 PROPERTY GROUP LTD

🌳Matureactive
02586908 · ltd · incorporated 1991-02-28
Investment thesis
Property vehicle with leveraged stack — refinance / partial-release angle.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Multiple lenders to manage; inter-creditor friction and partial-release cost possible.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jun 2024
Net worth
£-132
book net assets
Opportunity
79/100
Strong
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What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
Pass (distressed without resilience)
Distressed property-backed borrower — structural issues outweigh the discount.

Opportunity 79/100 (strong), bankability 67/100. Strong seller-intent signal (83/100, director aged 68). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: distressed disposal / insolvency (65/100).

🏦

Refinance opportunity

13 live charges · 3 lenders · oldest 33.7y

25/100
too messy

Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.

  • · Oldest live charge is 33.7 years old — likely at or near maturity.
  • · 3 lenders named — inter-creditor friction likely.
  • · Legal-friction score 50/100 (high).

Data confidence

Overall: high (82/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

Company profile
address, 1 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
13 charges (13/13 with lender, 13/13 with type)
90
Directors & officers
6 officers (3 active, 6 linked, 3 with DOB)
80
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
13 connected companies via shared directors
84
Filing history
124 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Negative net assets
Liabilities exceed assets by £132

Key financials

2 years extracted from filed iXBRL accounts
Cash
£113
Net Worth
-£132
Current Assets
£613
Current Liabilities
—
-£132£17£166£315£464£613Jun 2023Jun 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2024-06-302023-06-30
Total assets£-132—
Current assets£613—
Cash£113—
Debtors£500—
Net assets£-132—

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

1 signal detected in this company's narrative notes — going-concern language, audit opinion, contingent liabilities, related-party transactions.

Available from the Pro tier upwards.

See pricing →

Recent activity

Last 30 days
0
filings
Last 90 days
1
filing
  • • 1 confirmation-statement
Last 180 days
1
filing
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (50 events)Click to expand
  1. 2025-03-05
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  2. 2024-05-03
    📍
    change-sail-address-company-with-new-address
    address · AD02
  3. 2023-11-29
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  4. 2023-03-10
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  5. 2023-03-10
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  6. 2022-12-02
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  7. 2022-03-07
    📄
    change-person-director-company-with-change-date
    officers · CH01
  8. 2022-03-07
    📄
    change-person-director-company-with-change-date
    officers · CH01
  9. 2022-03-07
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  10. 2021-12-06
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  11. 2021-12-03
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  12. 2021-04-26
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  13. 2021-03-29
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  14. 2020-07-21
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  15. 2020-07-21
    🔓
    Charge satisfied #10
  16. 2020-03-31
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  17. 2020-03-17
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  18. 2020-03-17
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  19. 2020-03-17
    🔓
    Charge satisfied #12
  20. 2020-03-09
    🔒
    Charge registered #15
    Lender: The Mortgage Works (UK) PLC
  21. 2010-02-23
    🔓
    Charge satisfied #8
  22. 2010-02-23
    🔓
    Charge satisfied #7
  23. 2010-02-23
    🔓
    Charge satisfied #6
  24. 2010-02-23
    🔓
    Charge satisfied #5
  25. 2010-02-23
    🔓
    Charge satisfied #4
  26. 2010-02-23
    🔓
    Charge satisfied #3
  27. 2010-02-23
    🔓
    Charge satisfied #2
  28. 2010-02-23
    🔓
    Charge satisfied #1
  29. 2005-09-28
    🔒
    Charge registered #14
    Lender: The Mortgage Works (UK) PLC
  30. 2005-09-28
    🔒
    Charge registered #12
    Lender: The Mortgage Works (UK) PLC
  31. 2005-09-28
    🔒
    Charge registered #11
    Lender: The Mortgage Works (UK) PLC
  32. 2005-09-28
    🔒
    Charge registered #10
    Lender: The Mortgage Works (UK) PLC
  33. 2005-04-06
    🔒
    Charge registered #8
    Lender: Nationwide Building Society
  34. 2005-04-06
    🔒
    Charge registered #7
    Lender: Nationwide Building Society
  35. 1999-02-28
    ➕
    LOWER, Gillian Elizabeth appointed
    director
  36. 1999-02-28
    ➖
    SWINGEWOOD, John Paul resigned
    director
  37. 1998-12-23
    🔒
    Charge registered #6
    Lender: Nationwide Building Society
  38. 1996-04-15
    🔒
    Charge registered #5
    Lender: Midland Bank PLC
  39. 1996-04-15
    🔒
    Charge registered #4
    Lender: Midland Bank PLC
  40. 1996-04-15
    🔒
    Charge registered #3
    Lender: Midland Bank PLC
  41. 1992-08-31
    🔒
    Charge registered #2
    Lender: Midland Bank PLC
  42. 1992-08-06
    🔒
    Charge registered #1
    Lender: Midland Bank PLC
  43. 1991-02-28
    🏢
    Company incorporated
    As 01 PROPERTY GROUP LTD
  44. 1991-02-28
    ➕
    LOWER, Mark Glen appointed
    secretary
  45. 1991-02-28
    ➕
    LOWER, Mark Glen appointed
    director
  46. 1991-02-28
    ➕
    PARAMOUNT COMPANY SEARCHES LIMITED appointed
    corporate-nominee-secretary
  47. 1991-02-28
    ➖
    PARAMOUNT COMPANY SEARCHES LIMITED resigned
    corporate-nominee-secretary
  48. 1991-02-28
    ➕
    SWINGEWOOD, John Paul appointed
    director
  49. 1991-02-28
    ➕
    PARAMOUNT PROPERTIES (UK) LIMITED appointed
    corporate-nominee-director
  50. 1991-02-28
    ➖
    PARAMOUNT PROPERTIES (UK) LIMITED resigned
    corporate-nominee-director

Owner dependency

91/100
Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Long-tenure founder: Senior director has been in place 35 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 68 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

86/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 68. Approaching typical UK retirement age — succession thinking likely.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • primary20+ year tenure: Director in role 35 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 35 years old and no new directors in the last 3 years — succession not yet being planned internally.
  • supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

1 med ·
Charge satisfaction-then-recreation pattern
medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mrs Gillian Elizabeth Lower
Individual · British · DOB 03/1962 · age 64
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016
Mr Mark Glen Lower
Individual · British · DOB 07/1958 · age 68
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

🔒Co-director network graph

Radial SVG graph showing every company connected via shared directors, colour-coded by status.

Available from the Pro tier upwards.

See pricing →

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

8 specific questions generated from this company's actual signals — liquidity, leverage, director age, charge count, red flags, age-of-company.

Available from the Pro tier upwards.

See pricing →
🔒Advanced scoring suite

Exit-route ranking, improvement thesis, quiet-distress detector, covenant-pressure proxy, extraction monitor, approaching triggers, ownership drift, local cluster, value trap, debt capacity, archetype classification — 48+ scoring modules.

Available from the Pro tier upwards.

See pricing →

Company details

Statusactive
Typeltd
Incorporated1991-02-28
Jurisdictionengland-wales
Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

The Courtyard House
Horsham Road
Cowfold
RH13 8BX
United Kingdom

Filing status

Accounts
Next due: 2026-06-30
Last made up to: 2024-06-30
Confirmation statement
Next due: 2027-03-14
Last: 2026-02-28

Officers (3 active · 3 resigned)

LOWER, Mark Glen→
secretary · appointed 1991-02-28
View their other companies + combined net worth →
Active
LOWER, Gillian Elizabeth→
director · ~64y · appointed 1999-02-28
View their other companies + combined net worth →
Active
LOWER, Mark Glen→
director · ~68y · appointed 1991-02-28
View their other companies + combined net worth →
Active
PARAMOUNT COMPANY SEARCHES LIMITED→
corporate-nominee-secretary · appointed 1991-02-28 · resigned 1991-02-28
Resigned
SWINGEWOOD, John Paul→
director · ~71y · appointed 1991-02-28 · resigned 1999-02-28
Resigned
PARAMOUNT PROPERTIES (UK) LIMITED→
corporate-nominee-director · appointed 1991-02-28 · resigned 1991-02-28
Resigned

Click a director name to see their full track record across all companies.

Mortgages & charges

13
Total charges
3
Outstanding
1
Active lenders
Status:Lender:13 of 13 shown
TypeProperties
outstanding
The Mortgage Works (UK)
The Mortgage Works (UK) PLC
A registered charge1 property09/03/2020—
outstanding
The Mortgage Works (UK)
The Mortgage Works (UK) PLC
Mortgage1 property28/09/2005—
satisfied
The Mortgage Works (UK)
The Mortgage Works (UK) PLC
Mortgage1 property28/09/200517/03/2020
outstanding
The Mortgage Works (UK)
The Mortgage Works (UK) PLC
Mortgage1 property28/09/2005—
satisfied
The Mortgage Works (UK)
The Mortgage Works (UK) PLC
Mortgage1 property28/09/200521/07/2020
satisfied
Nationwide
Nationwide Building Society
Legal charge1 property06/04/200523/02/2010
satisfied
Nationwide
Nationwide Building Society
Debenture1 property06/04/200523/02/2010
satisfied
Nationwide
Nationwide Building Society
Legal charge1 property23/12/199823/02/2010
satisfied
Midland Bank
Midland Bank PLC
Legal charge1 property15/04/199623/02/2010
satisfied
Midland Bank
Midland Bank PLC
Legal charge1 property15/04/199623/02/2010
satisfied
Midland Bank
Midland Bank PLC
Legal charge1 property15/04/199623/02/2010
satisfied
Midland Bank
Midland Bank PLC
Legal charge1 property31/08/199223/02/2010
satisfied
Midland Bank
Midland Bank PLC
Fixed & floating charge1 property06/08/199223/02/2010
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (124 total)

confirmation-statement-with-updates
confirmation-statement · CS01
2026-03-03
confirmation-statement-with-updates
confirmation-statement · CS01
2025-04-29
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-03-05
change-sail-address-company-with-new-address
address · AD02
2024-05-03
confirmation-statement-with-updates
confirmation-statement · CS01
2024-04-09
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-11-29
confirmation-statement-with-updates
confirmation-statement · CS01
2023-03-10
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-03-10
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-03-10
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-12-02
confirmation-statement-with-updates
confirmation-statement · CS01
2022-03-07
change-person-director-company-with-change-date
officers · CH01
2022-03-07
change-person-director-company-with-change-date
officers · CH01
2022-03-07
change-person-secretary-company-with-change-date
officers · CH03
2022-03-07
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2021-12-06